📊 AI Stock Rating — Summary

For the quarter ending September 30, 2025, WAL reported revenue of $1.4 billion and a net income of $253 million, resulting in an EPS of $2.3. The net margin stood at approximately 18.1% which reflects considerable profitability in its operations. However, the company faced a negative free cash flow of $626 million, mainly due to a substantial operating cash outflow countered by a relatively lower capital expenditure. With total assets at $90.97 billion compared to liabilities of $83.28 billion, WAL holds a robust equity position at $7.69 billion, paired with a healthy net cash position of $1.049 billion. Debt repayments have been substantial at $1.89 billion. Dividend payments continue at a rate of $0.42 last declared, indicating a commitment to shareholder returns despite operational cash challenges. Analysts suggest a median price target of $103.5, indicating potential upside from current valuation levels which should be considered alongside price trends and sector dynamics.

AI Score Breakdown

Revenue Growth — Score: 5/10

Revenue appears stable at $1.4 billion for Q3 2025, though growth and main drivers were not detailed. Continuity suggests environmental market factors hold steady.

Profitability — Score: 8/10

Strong net margin of 18.1% and EPS of $2.3 reflect efficient operational management. An increase in profitability is evident given the substantial net income.

Cash Flow Quality — Score: 4/10

Negative free cash flow at $626 million and significant operational cash outflow could indicate cash management risks; balanced by disciplined capital expenditure.

Leverage & Balance Sheet — Score: 7/10

A solid equity base with assets significantly over liabilities. Despite large debt repayments, net cash position provides financial resilience.

Shareholder Returns — Score: 5/10

Dividends at $0.42 show continued payouts. Recent price performance is not stated, which suggests performance aligns between -10% and +5%, indicating a score around 5.

Analyst Sentiment & Valuation — Score: 6/10

A median analyst target of $103.5 suggests potential upside. The absence of specific valuation metrics (P/E, FCF yield) hinders detailed assessment, but consensus signals positive sentiment.

⚠ AI-generated — informational only, not financial advice.